Call reports 2013
PATRIOTS BANK — 2013
What PATRIOTS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 88,991,000 | 86,923,000 | 86,298,000 | 86,372,000 |
| Total loans | 54,869,000 | 54,900,000 | 53,776,000 | 54,945,000 |
| Allowance for loan losses | 973,000 | 987,000 | 988,000 | 792,000 |
| Securities available for sale | 25,282,000 | 24,579,000 | 24,209,000 | 24,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,072,000 | 76,698,000 | 77,194,000 | 74,146,000 |
| Interest-bearing deposits | 67,681,000 | 65,080,000 | 65,888,000 | 63,623,000 |
| Noninterest-bearing deposits | 12,391,000 | 11,618,000 | 11,306,000 | 10,523,000 |
| Equity capital | 8,340,000 | 8,095,000 | 8,463,000 | 8,633,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 873,000 | 1,757,000 | 2,644,000 | 3,573,000 |
| Interest expense | 84,000 | 161,000 | 230,000 | 293,000 |
| Net interest income | 789,000 | 1,596,000 | 2,414,000 | 3,280,000 |
| Noninterest income | 51,000 | 200,000 | 344,000 | 457,000 |
| Noninterest expense | 722,000 | 1,435,000 | 2,151,000 | 2,890,000 |
| Provision for loan losses | 14,000 | 29,000 | 53,000 | 63,000 |
| Pretax income | 104,000 | 335,000 | 558,000 | 802,000 |
| Income tax | -5,000 | 5,000 | 14,000 | 25,000 |
| Net income | 109,000 | 330,000 | 544,000 | 777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,895,000 | 8,122,000 | 8,342,000 | 8,582,000 |
| Total capital | 8,610,000 | 8,814,000 | 9,041,000 | 9,289,000 |
| Risk-weighted assets | 56,554,000 | 55,484,000 | 55,200,000 | 56,422,000 |